[PDF] [PDF] Citi M1 Platinum Visa Cardmembers Agreement - Citibank Singapore

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1

Citi M1 Platinum Visa

Cardmember"s Agreement

Before you use the Citi M1 Platinum Visa Card, please read this agreement thoroughly. By signing on or using the card, you are accepting the terms and conditions of this agreement and will be bound by them. Your use of the card is governed by this agreement.

1. DEFINITIONS

1.1 When we use the following words in this agreement, they have the meanings as

respectively set out below:- ATM An automated teller machine or card-operated machine, whether belonging to us or other participating banks or fi nancial institutions or to the Visa Global ATM Network or their affi liated networks, which accepts the card.

Authority

any competent regulatory, prosecuting, tax or governmental authority in any jurisdiction, domestic or foreign

Basic cardmember

The person at whose request one or more supplementary cards have been issued by us to supplementary cardmembers.

Banking Day

Refers to any day on which banks are open for business in Singapore other than Saturday, Sunday and gazette public holidays in Singapore. Card A Singapore dollar Citi M1 Platinum Visa, Gold or Blue credit card issued by us and a renewal or replacement and if more than one card or if a supplementary card is issued, includes such other card(s).

Card account

An account which you maintain with us in respect of the card.

Card transaction

A transaction carried out whether by using the card, the card account number and/or the PIN or via TBS or otherwise, whether with or without your knowledge or authority (including a payment for any goods, services and/or benefi ts and a payment for any charitable purpose and any cash advance) and shall, if applicable include the automatic debiting of the card account with the cardmember's M1 phone and paging bill charges.

Cash advance

A disbursement of funds in any currency.

Cash interest rate

interest rate applied on outstanding debit balances from Cash transactions as well as outstanding balances pursuant to any balance transfer programs after the expiry of the promotional tenure

Cash transactions

Cash advance transactions, Quasi-cash transactions and related fee and interest charges

Citigroup, Inc.

Citigroup, Inc., a corporation incorporated in the United States of America

Citigroup Organisation

any affi liate or subsidiary of Citigroup, Inc.

Collected Amount

an amount for or on account of, or which represents, withholding, income tax, value added tax, tax on the sale or disposition of any property, duties, or any other lawfully collected amount.

Combined credit limit

The maximum credit limit permitted by us, and communicated to you by us from time to time, in respect of which the total outstanding balance of your card account must not exceed at any time and if you have more than one card account such limit shall be the maximum permitted for the total outstanding balance of all your card accounts (excluding only any business card account where the credit limit thereof is determined by the business member and excluding any credit limit assigned on your

Citibank Ready Credit account).

2

Communication

Includes all notices, demands, requests, instructions, including without limitation, stop payment instructions (or cancellation thereof) in respect of any advice, statement of account, card, PIN and all other communication.

Current balance

Your total liabilities outstanding and owing to us at any given time in connection with your card account(s) and/or this agreement, including but not limited to all card transactions, interest, charges, fees, costs, billed instalments and expenses (including legal costs), whether actual or contingent and whether incurred now or in the future.

Equipment

Any electronic, wireless, communication, transmission or telecommunication equipment, device or medium, including without limitation, the Internet, any computer or mobile phone, equipment, device, terminal or system or otherwise.

Instalment plans

A payment plan under which the billing for goods and services and/or a loan is made by way of equal instalments over the applicable tenure, including any associated interest.

Law or Regulation

the law or regulation of any jurisdiction, domestic or foreign, or any agreement entered into with or between Authorities

Outstanding unbilled instalment amount

The sum of any unbilled instalment principal amount under an instalment plan and any associated interest or fees.

Payment due date

The date specifi ed in the statement of account or where we are unable to send you a statement of account, such date that we may select by which payment of the current balance is to be received by us, and for the purpose of calculating interest.

Payment Infrastructure Provider

a third party that forms part of the global payment system infrastructure, including without limitation communications, clearing or payment systems, intermediary banks and correspondent banks PIN Personal Identifi cation Number issued by us to allow you to use the card at an ATM to obtain cash advances.

Privacy Circular

refers to the notifi cation provided by us to explain the purposes for our collection, use and disclosure of personal data (as defi ned in the Personal Data Protection Act 2012 of Singapore), including amendments thereto

Quasi-cash transactions

are transactions representing a purchase of foreign currency or items (including but not limited to, gaming chips, money orders, lottery tickets, traveler's cheques and precious metals) which may be convertible to cash, and may also include transactions such as the transfer of funds under a wire transfer money order, the funding of accounts and such other transactions as determined by the relevant card association from time to time.

Representatives

our offi cers, directors, employees, agents, representatives, professional advisers and

Third Party Service Providers

Retail interest rate

interest rate applicable to outstanding balances arising from card transactions other than Cash transactions pursuant to clause 7.1 SMS Short message service provided by your mobile service provider which: (a) we may use to send any communication to your mobile phone at the mobile phone number provided by you to us and as may from time to time be updated by you; and (b) for you to give us instructions in respect of your card and/or card account in accordance with our prescribed procedure prevailing at that time from your mobile phone at the mobile phone number provided by you to us and as may from time to time be updated by you.

Statement of account

A statement of account issued by us in respect of your card account specifying the current balance and the minimum payment due for the specifi ed period.

Supplementary card

A card issued to a supplementary cardmember.

Supplementary cardmember

The person who is issued a supplementary card.

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Third Party Service Provider

a third party selected by us or any Citigroup Organisation or Representative to provide services and who is not a Payment Infrastructure Provider. Examples of Third Party Service Providers include technology service providers, business process outsourcing service providers and call centre service providers.

Total outstanding balance

Sum of your current balance and any unbilled instalment principal amount.

Unbilled instalment principal amount

Principal amount under an instalment plan less any billed instalment principal amount.

Valid signature

Your signature which is identical to the specimen signature on your application for the card and/or on the Auto-Sig Signature Card furnished to us.

We, our, us

Citibank Singapore Ltd and its successors and any novatee, assignee, transferee or purchaser of Citibank Singapore Ltd's rights and/or obligations hereunder.

You, your, cardmember

The person to whom the card is issued and includes the basic cardmember and each and every supplementary cardmember where the context requires.

1.2 (a) "TBS" and "TBS Access Code" have the same meanings as set out in the terms

and conditions relating to Telephone Banking Service. (b) Unless the context otherwise requires, words referring to the singular number shall include the plural number and vice versa; and reference to a person includes reference to a sole proprietor, partnership fi rm and company. (c) We use headings in this agreement for ease of reference but this agreement is not to be interpreted by reference to the headings.

2. THE CARD

2.1 Collection of card

When your application is approved by us, we may send you the card, and a renewal or replacement thereof, by ordinary post to the address we have on record for you. In the event you fail to receive the card and unauthorized transactions occur on the card account, you will not be liable for the balances arising therefrom provided you have not acted fraudulently or negligently. We are not liable to you for any loss or damage which you may suffer if you fail to receive the card.

2.2 After receipt of card

When you receive the card, you must immediately sign on the card. You are deemed to have accepted and agreed to this agreement when you retain or use the card.

2.3 Return of card

The card remains our property at all times. You must immediately return the card to us upon our request which we may make at any time in our reasonable discretion.

3. COMBINED CREDIT LIMIT

3.1 Must not exceed combined credit limit

Subject to clause 12.2, you must not use the card such that the total outstanding balance exceeds your combined credit limit.

3.2 Calculating if combined credit limit exceeded

In calculating whether the combined credit limit has been exceeded, we may take into

3 account the amount of any card transaction which you have carried out but which

has not been debited to your card account and any proposed card transaction for which we have given authorization to a third party.

3.3 To pay excess if combined credit limit exceeded

If you carry out any card transaction which results in the combined credit limit being exceeded, whether with or without our prior consent, you must immediately pay us the amount in excess of the combined credit limit in such manner and to such account as we may in our reasonable discretion direct and we may communicate this direction to you by any means we deem fi t. We reserve the right, without prejudice to any of our rights or remedies, to terminate your card account with reasonable notice to you.

4. FACILITIES AVAILABLE WITH THE CARD

4.1 Use during validity period

You may use the card to carry out card transactions during the validity period specifi ed on the card.

4.2 Operating card account via TBS

We may, in our absolute discretion, issue without your request a TBS Access Code to allow you to operate your card account via TBS. Your use or operation of the TBS is subject to the terms and conditions relating to TBS then prevailing. 4

4.3 Card transaction by mail / telephone / facsimile / electronic mail/ internet

A request by mail, telephone, facsimile, electronic mail, internet or other means of communication to a merchant for the supply of goods and/or services to be charged to the card account, whether made or authorized by you and whether a sales draft, voucher or document is signed by you, is a valid card transaction and we will debit your card account with such card transaction.

4.4 Cash advance within given limit

You may obtain cash advances up to such limit as we may determine.

4.5 Cash advance subject to fees and charges

Each cash advance obtained is subject to the fees and charges calculated according to clause 7.

4.6 Prohibited use of card

(a) You must not use the card, and/or otherwise operate the card account to pay the current balance. (b) You shall not use and we will not permit the card to be used to effect any card transaction which would contravene the laws of any jurisdiction.

5. STATEMENT OF ACCOUNT

5.1 Sending periodic statement of account

We will send you a statement of account on a monthly or other periodic basis as we deem fi t but we may not send you a statement of account for any period during which your card account is inactive or has been terminated.

5.2 Statement is conclusive and binding

You must inspect and examine the statement of account and notify us of any irregularity or error in the statement of account within 10 days from the date of the statement of account, failing which the statement of account is conclusive evidence of your liability in respect of the amounts stated therein save for our manifest or clerical error, provided that we are entitled, at any time and without liability, to rectify any irregularity or error in the statement of account.

6. PAYMENT

6.1 Current balance debited to card account

We will debit the current balance to your card account.

6.2 Liability for current balance

Without prejudice to clause 6.5, you are liable to pay the current balance shown on a statement of account to be outstanding as at the date of that statement of account. You may, however, pay less than the specifi ed current balance but you must pay at least the minimum payment (calculated according to clause 6.3), which we must receive on or before the payment due date.

6.3 Minimum Payment and Overlimit Amount

Minimum Payment Amount

Current

BalanceMinimum Payment

S$0 to >=S$50 The minimum payment amount is specifi ed in your statement of account and is computed by taking greater of - (a) (i) 1% of the current balance; plus (ii) 1% of any outstanding unbilled instalment amounts; plus (iii) all interest charges (including interest charged under our instalment plans); plus (iv) all upfront service fees for our instalment plans; plus (v) late payment charges; or (b) S$50; plus any overdue amounts.

Overlimit Amount

The overlimit amount is the outstanding balance (including any unbilled balances) in excess of customer's combined credit card limit and must be paid immediately. The overlimit amount is in addition to the total minimum payment amount.

6.4 Pay interest and charges if current balance not paid in full

If we do not receive the current balance specifi ed in the statement of account in full on or before the payment due date, you must pay us the fees, interests and charges specifi ed in clause 7. 5

6.5 Pay total outstanding balance upon our demand

Notwithstanding and without prejudice to any other terms and conditions of this agreement, you must pay within the period notifi ed to you the total outstanding balance upon our demand which we may make at any time.

6.6 Payment to be made in full

You must pay us all sums due under this agreement in full without any deduction or withholding (whether in respect of set off, counterclaim, taxes, charges or otherwise) unless the deduction or withholding is required by law. If a deduction or withholding is required by law, you must immediately pay us an additional amount so that we receive an amount equal to the full amount which we would have received had no such deduction or withholding been made; and you must furnish us an offi cial receipt of the relevant authority involved for all amounts so deducted or withheld.

6.7 To pay GST

Without prejudice to clause 6.6, you must pay, in addition to all other sums payable under this agreement, any goods and services tax ("GST", which expression includes any tax of a similar nature that may be substituted for it or levied in addition to it by whatever name called) which may be imposed by law, in respect of any sums payable to or received or receivable by us or any expenses incurred by us in connection with this agreement (except to the extent prohibited by law); and we will debit the same to your card account.

6.8 Payment in Singapore dollars

You must pay us all sums due under this agreement in Singapore dollars. If we receive a payment in a currency other than Singapore dollars, we will convert it to Singapore dollars at such time and rate of exchange as we may in our reasonable discretionquotesdbs_dbs19.pdfusesText_25

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